Travelling with your card: currencies, fees and street smarts

Your card works in 40+ markets at the real exchange rate, with the final converted amount shown before you confirm. A few habits make travel even smoother.

Before you fly

• Add the card to your phone wallet — terminals abroad love contactless;

• Set a travel spending limit if you tend to holiday-splurge;

• Keep the virtual card for hotel deposits so the physical one stays clean.

The two classics to refuse

1. «Pay in your home currency?» — always decline. Dynamic currency conversion is a markup dressed as convenience; choose the local currency every time.

2. The helpful ATM stranger — no bank employee works the pavement. Freeze first, ask questions later; unfreezing takes one tap.